diff --git a/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java b/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
index f47993f..1044036 100644
--- a/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
+++ b/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
@@ -143,16 +143,19 @@
             if(CollectionUtils.isNotEmpty(chinaumsAuthInfo.getChinaumsBankCard()) && chinaumsAuthInfo.getChinaumsBankCard().stream().anyMatch(filterChinaumsBankCard -> filterChinaumsBankCard.getBankAcctNo().equals(byxChinaumsAcctBindBankCardDTO.getBankAcctNo()))){
                 throw new YnceErrorException(YnceError.YNCE_218029);
             }
-            chinaumsBankCard.setChinaumsAuthInfo(chinaumsAuthInfo);
-            chinaumsBankCard.setBankCode(chinaumsAuthInfo.getSettleAcctBankCode());
-            chinaumsBankCard.setBankBranchCode(chinaumsAuthInfo.getSettleAcctBankBranchCode());
-            chinaumsBankCard.setBankAcctNo(chinaumsAuthInfo.getSettleAcctBankAcctNo());
-            chinaumsBankCard.setMobileNumber(chinaumsAuthInfo.getMobileNumber());
-            chinaumsBankCard.setChinaumsAuthInfo(chinaumsAuthInfo);
-            chinaumsBankCard.setOutRequestNo(chinaumsAuthInfo.getOutRequestNo());
-            chinaumsBankCard.setBankAcctType(chinaumsAuthInfo.getSettleAcctType());
-            chinaumsBankCard.setBankName(chinaumsAuthInfo.getSettleAcctBankName());
-            chinaumsBankCard.setSettleAcctId(chinaumsAuthInfo.getSettleAcctId());
+            if(CollectionUtils.isNotEmpty(chinaumsAuthInfo.getChinaumsBankCard())
+                    && chinaumsAuthInfo.getChinaumsBankCard().stream().noneMatch(item -> item.getBankAcctNo().equals(chinaumsAuthInfo.getSettleAcctBankAcctNo()))) {
+                chinaumsBankCard.setChinaumsAuthInfo(chinaumsAuthInfo);
+                chinaumsBankCard.setBankCode(chinaumsAuthInfo.getSettleAcctBankCode());
+                chinaumsBankCard.setBankBranchCode(chinaumsAuthInfo.getSettleAcctBankBranchCode());
+                chinaumsBankCard.setBankAcctNo(chinaumsAuthInfo.getSettleAcctBankAcctNo());
+                chinaumsBankCard.setMobileNumber(chinaumsAuthInfo.getMobileNumber());
+                chinaumsBankCard.setChinaumsAuthInfo(chinaumsAuthInfo);
+                chinaumsBankCard.setOutRequestNo(chinaumsAuthInfo.getOutRequestNo());
+                chinaumsBankCard.setBankAcctType(chinaumsAuthInfo.getSettleAcctType());
+                chinaumsBankCard.setBankName(chinaumsAuthInfo.getSettleAcctBankName());
+                chinaumsBankCard.setSettleAcctId(chinaumsAuthInfo.getSettleAcctId());
+            }
 //            byxChinaumsAcctBindBankCardDTO.setOutRequestNo(sequenceUtil.getNextSequenceNumber("YHK"));
 //            byxChinaumsAcctBindBankCardDTO.setProfession("40100");
         }